Mercury Mariner Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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Estimated insurance prices for a Mercury Mariner are $850 every 12 months including full coverage. Comprehensive costs approximately $146 each year, collision costs $178, and liability is estimated at $390. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing around $1,818. Teenage drivers pay the most at $3,398 a year or more.
Average premium for full coverage: $850
Premium estimates by type of coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Mariner models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Mercury Mariner go from the cheapest price of $438 for just liability coverage to a high rate of $1,818 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance prices.
These rate differences highlight why all drivers should get quotes using their specific location and their own driving history, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down estimated Mercury Mariner insurance rates for additional coverage and risk scenarios.
- The best discount rate is $519
- Choosing higher $1,000 deductibles can save $76 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $850
- Using low deductibles for comp and collision coverage increases the price to $988
- Unlucky drivers who are prone to accidents and violations could pay around $1,818 or more
- An auto insurance policy to insure a teen driver can cost $3,398 each year
Insurance prices for a Mercury Mariner also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Mariner.
Using high physical damage deductibles can save as much as $220 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,000 to $1,400 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Mercury Mariner insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,210 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$82 | -9.6% |
| Alaska | $652 | -$198 | -23.3% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $968 | $118 | 13.9% |
| Colorado | $812 | -$38 | -4.5% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,158 | $308 | 36.2% |
| Louisiana | $1,256 | $406 | 47.8% |
| Maine | $526 | -$324 | -38.1% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $712 | -$138 | -16.2% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $756 | -$94 | -11.1% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $612 | -$238 | -28.0% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $748 | -$102 | -12.0% |
| New York | $894 | $44 | 5.2% |
| North Carolina | $490 | -$360 | -42.4% |
| North Dakota | $698 | -$152 | -17.9% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $872 | $22 | 2.6% |
| Oregon | $778 | -$72 | -8.5% |
| Pennsylvania | $806 | -$44 | -5.2% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $770 | -$80 | -9.4% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $744 | -$106 | -12.5% |
| Texas | $1,024 | $174 | 20.5% |
| Utah | $630 | -$220 | -25.9% |
| Vermont | $582 | -$268 | -31.5% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $654 | -$196 | -23.1% |
| West Virginia | $778 | -$72 | -8.5% |
| Wisconsin | $584 | -$266 | -31.3% |
| Wyoming | $756 | -$94 | -11.1% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $812 | $68 |
| Mercury Mariner Premier 2WD | $828 | $69 |
| Mercury Mariner AWD | $828 | $69 |
| Mercury Mariner Hybrid 2WD | $962 | $80 |
| Mercury Mariner Premier AWD | $844 | $70 |
| Mercury Mariner Hybrid AWD | $978 | $82 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2009 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2008 Mercury Mariner | $144 | $168 | $384 | $832 |
| 2006 Mercury Mariner | $126 | $152 | $376 | $790 |
Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Mercury Mariner Insurance
Finding better rates on car insurance takes being a low-risk driver, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a condensed summary of the concepts that were illustrated above.
- Higher risk drivers with multiple at-fault accidents could be charged and average of $970 more per year to insure their Mariner
- Teen drivers are the costliest to insure, with the cost nearing $283 per month if full coverage is included
- You may be able to save around $90 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $225 each year
- You may be able to save around $90 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,398 |
| 20 | $1,932 |
| 30 | $864 |
| 40 | $850 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $988 |
| $250 | $926 |
| $500 | $850 |
| $1,000 | $774 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $1,070 |
| 100/300 | $1,185 |
| 250/500 | $1,484 |
| 100 CSL | $1,116 |
| 300 CSL | $1,369 |
| 500 CSL | $1,553 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,786 |
| 20 | $3,074 |
| 30 | $1,836 |
| 40 | $1,818 |
| 50 | $1,738 |
| 60 | $1,718 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $331 |
Discounts are estimated and may not be available from every company or in every state.
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